Business Banking
Personal Online Banking
Savings/CD'S

Benefits Bay Savings Bay Money Market
Opening Deposit $100 $2,500
Interest Bearing Tiered rate based upon balance Tiered rate based upon balance
Minimum Daily Balance $100 $2,500
Monthly Maintenance Fee $3 if balance falls below $100 $10 if balance falls below $2,500
Checking Account Required N/A N/A
Direct Deposit Required N/A N/A
Withdrawals Only 6 permitted by law a month- $10 each over 6 Only 6 permitted by law a month- $10 each over 6
Account Statements

Quarterly
(monthly if electronic transaction occurs)

Quarterly
(monthly if electronic transaction occurs)


BAY CERTIFICATES OF DEPOSIT

With Bay Bank's CDs, you can invest as little as $500 and lock in a fixed rate of interest. We offer a variety of maturities that range from 28 days to 60 months. Preferred pricing with a Bay Relationship Checking Account.
 

CDARS®

Protect your investments with our Certificate of Deposit Account Registry Service®, or CDARS®, which provides access to security and peace of mind beyond $250,000. Get multi-million-dollar FDIC insurance on your CD investments today.
•    FULL INSURANCE
Access multi-million-dollar FDIC Insurance on CD Investments
•    ONE BANK
Work with a Single Bank for Large Deposits ($10K-$50 Million)
•    ONE RATE
Earn One Interest Rate on CD Investments
•    ONE STATEMENT
Receive One Statement Detailing all CD Investments
•    NO FEES
No Hidden, Annual, Subscription or Transaction Fees
•    NO COLLATERALIZATION
No Need to Collateralize Deposits or Track Collateral Values
•    VARIETY OF MATURITIES
Ranging from 4 Weeks to 5 Years
•    COMMUNITY INVESTMENT
Funds Support Lending Initiatives to Strengthen the Local Community

Visit any branch location for additional information regarding the CDARS® program.

Some of the services described above require a separate signed agreement and fees may apply. See your Bay Bank Customer Service Representative for details.

 

Current Rates 

Here's more information on our savings accounts.